BlastPoint's Banking Scorecard

The Peoples State Bank

under $100M Specialty: Agricultural KS FDIC cert 16744

Designations: ✓ Community bank

Cherryvale, KS

537 banks in the under $100M peer group nationally 47 in KS

The Peoples State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 2.16% above tier average
+ Net Interest Margin 1.72% above tier average
+ Efficiency Ratio 40.34% below tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 53.69% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$24.1M +14.2% YoY +1.3% QoQ	-$38.1M	$62.3M -0.5% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	Bottom 6.9% in tier
Total Loans ?	$21.2M +20.4% YoY +1.1% QoQ	-$13.1M	$34.3M -1.5% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	30%
Total Deposits ?	$18.0M +16.5% YoY +0.5% QoQ	-$33.9M	$51.8M -0.6% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	Bottom 7.4% in tier
Return on Assets ?	3.02% -12.1% YoY -7.6% QoQ	+2.16%	0.86% -3.6% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	Top 3.0% in tier
Net Interest Margin ?	5.59% -16.0% YoY -12.0% QoQ	+1.72%	3.87% +2.7% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	Top 4.3% in tier
Efficiency Ratio ?	47.29% -0.6% YoY +0.1% QoQ	-40.34%	87.63% +2.3% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	Top 7.3% in tier
Delinquency Rate ?	0.45% +37.5% YoY -34.1% QoQ	-0.91%	1.36% +33.7% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	117.80% +3.3% YoY +0.6% QoQ	+53.69%	64.11% -0.9% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	Bottom 2.2% in tier
Non-Interest-Bearing Deposit Share ?	33.20% -23.2% YoY -3.4% QoQ	+9.41%	23.79% +0.5% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	81%
Nonperforming Asset Ratio ?	0.56% -24.3% YoY -28.1% QoQ	-0.22%	0.77% +28.7% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	36%
Tier 1 Capital Ratio ?	19.56% -15.2% YoY -4.2% QoQ	-7.21%	26.77% +2.0% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.14% -0.8% YoY -72.3% QoQ	-0.53%	0.67% +1.6% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 3.02%

Peer Median: 0.86%

#17 of 537 Top 3.0% in under $100M

Net Interest Margin

profitability

Value: 5.59%

Peer Median: 3.87%

#24 of 537 Top 4.3% in under $100M

Efficiency Ratio

profitability

Value: 47.29%

Peer Median: 87.63%

#40 of 537 Top 7.3% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#98 of 537 Top 18.1% in under $100M

101

Non-Interest-Bearing Deposit Share

funding

Value: 33.20%

Peer Median: 23.79%

#101 of 537 Top 18.6% in under $100M

Top Weaknesses (3 metrics)

526

Loan-to-Deposit Ratio

liquidity

Value: 117.80%

Peer Median: 64.11%

#526 of 537 Bottom 2.2% in under $100M

501

Total Assets

size

Value: $24.14M

Peer Median: $62.28M

#501 of 537 Bottom 6.9% in under $100M

498

Total Deposits

size

Value: $17.96M

Peer Median: $51.83M

#498 of 537 Bottom 7.4% in under $100M